So to keep this simple I thought I owed up around $40,000 to OSAP... I haven’t graduated and dropped out a million times over 10 years, I have since given up. I haven’t been in a financial spot to pay my loans at all.I was doing the repayment assistance program but the last time I tried to set it up they asked me for pictures of my pay stubs, so I tried 3 separate times to send them and every time they wouldn’t send because the image was “too big”.I was using my cell phone so I couldn’t change the size without changing the resolution to a point where you couldn’t read it. It finally sent after I think I used my laptop camera so I called and asked if I had any other options just in case, well the guy said it went through. PERFECT! Finally, okay cool.Well a couple days later I get a message saying they couldn’t read it. So I gave up. Well, since then my account has been broken up into two and I don’t know how much I owe or where I owe it to.

My most up to date info is Minitry of Finance sent my account to Total Credit Recovery in the amount of $10,071 and I believe the CRA is after me for $24,537. So that’s less than my original amount.

I went to do my taxes and someone (CRA?) wants to take my tax return. I can’t afford to even pay the person to do my taxes. I’m behind on so much, I’ve been working to get my credit card paid off which my mom helped me with so I have been paying her 200 a week to try to get that done, I have a phone bill that is way passed due, we just put our dog down, I have a speeding ticket I have to pay, and my boyfriend and I are flat broke. We can’t even afford groceries at the moment. I don’t know what to do.

Apparently my interest with CRA is $1442 and if I pay that plus two payments of $425 they will send it back to NSL, but I don’t have any money to do that. I make decent money but I’ve been trying to get out of debt for so long and it just keeps getting worse.

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